– a building or facility dedicated to the Origination or refinancing of loans, including portfolios 8 2.2. Assets out of scope The red items in Table 1 are excluded either because they are incompatible

Framework, it will specify the relevant SPT for that instrument. Failure to achieve the SPT will result in an upwards coupon adjustment or penalty payment on the bond principal, as appropriate, with the

preferred (or preference) shares which have a preference in respect of receipt of the profits of the firm but which normally have limited or no voting rights. Companies may also issue participation

to extend our aspiration to become “Customers’ Life Platform of Choice”, meaning the most-preferred platform that can meet customers’ needs in every aspect of their lives. To this end, we work to

views of the Organisation or of the governments of its member countries. This document and any map included herein are without prejudice to the status of or sovereignty over any territory, to the

external challenges. Finally, I wish to sincerely thank the SEC’s management and officers and all parties who have dedicated their effort towards the sustainable development of our capital market. I am

over the long term. Guided by our core strategies of “Customer Centricity", KBank has decided to redefine our aspiration to become “Customers’ Life Platform of Choice”, meaning the most-preferred

38,459 million in net profit, increasing Baht 4,121 million or 12.00 percent compared to the year before. The increase was mainly due to a decrease of Baht 9,278 million or 22.19 percent in allowance for

markets. At the end of 2012, the SET Index closed at 1,391.93 points or a 35.76 percent increase, a record high in the past 16 years. The market capitalization was 11,964.47 billion baht, or a 41.01 percent

contact: SECURITIES AND EXCHANGE COMMISSION, THAILAND 333/3 Vibhavadi-Rangsit Road, Chomphon, Chatuchak, Bangkok, Thailand 10900 Tel. 1207 or +66 2695 9999 e-mail: info@sec.or.th This 2014 Annual Report is